Non-QM Loans in San Francisco, CA
Find lenders offering non-qm loans in the San Francisco, including Oakland, Berkeley, San Mateo, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve San Francisco?
33 lenders offering non-qm loans in the San Francisco, CA area.
Athas Capital Group
LocalCA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
LocalAnaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
Griffin Funding
LocalCA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
LocalCA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
LocalTustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.
Truss Financial Group
LocalCA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Acra Lending
LocalCA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Newfi Wholesale
LocalEmeryville, CA
Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.
HomeXpress Mortgage
LocalCA
Wholesale non-QM lender offering DSCR loans for 1-4 unit investment properties. Fast turn times with competitive investor pricing and no income verification required.
Oaktree Funding
LocalCA
Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.
Kind Lending
LocalSanta Ana, CA
Wholesale lender founded by industry veterans offering DSCR loans for rental investors. Competitive non-QM products with fast underwriting and broker-friendly service.
Change Lending
LocalCA
Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
What does the San Francisco commercial real estate market look like?
San Francisco's CRE market has undergone significant recalibration as remote work reduced traditional office demand, particularly in the Financial District and SoMa neighborhoods that housed major tech tenants. The city's office vacancy rate climbed to historic highs in 2024-2025, creating opportunities for value-add investors and adaptive reuse conversions to residential and life sciences uses. The Mission Bay submarket, anchored by the UCSF Medical Center campus and the Chase Center, has shown more resilience with biotech and healthcare tenancy. South of Market and the Dogpatch neighborhood continue to attract AI and machine learning startups, and the city remains one of the highest-rent markets in the country despite the correction.
Key Economic Drivers
- ●AI and machine learning companies (OpenAI, Anthropic, and venture-backed startups)
- ●UCSF Medical Center campus and Mission Bay biotech cluster
- ●Salesforce, major tech headquarters, and financial services firms
- ●Tourism and convention activity centered on Moscone Center
Market Insight
San Francisco adopted a transfer tax incentive for office-to-residential conversions in the downtown core, waiving the city's 5.5% transfer tax for qualifying projects to accelerate repurposing of vacant office towers in the Financial District.
How do non-qm loans work in San Francisco, California?
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the San Francisco metro area, borrowers can access 33 lenders offering Non-QM financing, including Oakland, Berkeley, San Mateo, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who should consider non-qm loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
What are the key requirements?
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in San Francisco FAQ
How many Non-QM lenders serve San Francisco, CA? ▼
What are Non-QM loan rates in San Francisco? ▼
What is a bank statement loan? ▼
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